Reward points, loyalty programs, travel memberships, stay vouchers, welcome perks and loads of benefits ranging from travel insurance to complimentary airport lounge access, travel credit cards provide value for money. Co-branded credit cards are launched by card companies in collaboration with airlines, travel portals, railways, etc., and the benefits or rewards are linked to spending through this partner.
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AIR INDIA SBI SIGNATURE CARD
Annual/Joining fee: Rs 4,999Interest rate: 3.5%Insurance: Rs 1 lakh complimentary lost card liability coverReward Points: A member will get up to 30 reward points for Rs 100 spent on Air India tickets booked through airindia.com, Airindia mobile app. He will also be rewarded with 30 points on booking for self & 10 points on booking for others. Apart from this, 10 reward points for Rs 100 spent for AI tickets booked via AI booking offices, call centres & on super saver tickets. Four reward points will be credited for every Rs 100 spent.Benefits: A member will get a welcome gift of 20,000 reward points and an anniversary gift of 5,000 reward points will be provided every year to the member. Apart from this, up to 1 lakh bonus reward points annually will also be given. Eight complimentary visits a year to domestic Visa lounges and foreign luxury lounge access to 600+ airports with complimentary Priority Pass Program will also be provided. There is also complimentary membership of Air India Frequent Flyer program.
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INTERMILES HDFC BANK DINERS CLUB
Annual/Joining fee: Rs 5,000Interest rate: 1.99%Insurance: Rs 2 crore air accident cover; Rs 50 lakh emergency overseas hospitalisation; up to Rs 55,000 baggage delay; up to Rs 9 lakh credit liability cover.Reward Points: The member will 8 InterMiles on every Rs 150 on retail spends. Apart from this, 16 InterMiles will be credited on Rs 150 spent on flights booked on flights.intermiles.com. He will also get 16 InterMiles on Rs 150 spent on hotels booked on Interbook.intermiles.com.Benefits: Welcome benefits include Inter-Miles Gold membership, up to 25,000 bonus InterMiles, Rs 2,000 flight & Rs 3,000 hotel discount vouchers for the first year. Apart from this, 10% & 5% discount on Etihad Airways business & economy class tickets, respectively, and 2.5X bonus InterMiles for EA tickets booked on flights.intermiles.com. Unlimited golf games at leading courses across India and select courses across the world. The member will also get unlimited airport lounge access to 1,000+ lounges in India and across the world.
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KOTAK INDIGO KACHING 6E REWARDS XL CREDIT CARD
Annual/Joining fee: Rs 2,500Interest rate: 3.5%Insurance: NAReward Points: A member can earn 6E rewards on every Rs 100 spent. Apart from this, 6% rewards will be credited on IndiGo spends. Three per cent rewards on merchant spends including dining, entertainment, grocery will also be provided and 2% rewards on all other category spends, excluding wallets.Benefits: Welcome gift of a free air ticket worth Rs 3,000 will be provided. Rs 150 discounted convenience fee on IndiGo and 8 domestic airport lounge visits. The member will also get a chance to learn golf with free 12 lessons and free 6E Prime add-ons worth Rs 899 and Rs 250 Budweiser voucher. Apart from this, Accor dining voucher worth Rs 1,000 & Accor stay voucher with 30% off.
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MAKEMYTRIP ICICI BANK SIGNATURE CREDIT CARD
Annual/Joining fee: Rs 2,500 (NO ANNUAL FEE)Interest rate: 3.5%Insurance: NAReward Points: The member will get Rs 1.25 for Rs 200 domestic spends outside MMT and Rs 1.5 for Rs 200 foreign spends outside MMT. Apart from this, Rs 2 will be credited for Rs 200 spent on flight bookings on MMT and Rs 4 for Rs 200 spent on hotel/ holiday bookings on MMT.Benefits: The member will get a welcome bonus of Rs 1,500 My Cash, MMT holiday voucher worth Rs 2,500, and complimentary MMBLACK exclusive membership and MMT Cabs flat discounts. Apart from this, a 10-day Airtel international roaming pack up to Rs 3,999 and international, domestic airport lounge access and domestic rail lounge access. The member will also get extended 1.5 years validity on joining Benefit My Cash.
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AXIS BANK MILES & MORE WORLD CARD
Annual/Joining fee: Rs 3,500Interest rate: 3.6%Insurance: Rs 2.5 crore air accident cover; Rs 1 lakh Credit Shield; $500 each for baggage loss and delayReward Points: The member will get four award miles for every Rs 200 spent.Benefits: Apart from a welcome bonus of 5,000 award miles, annual bonus of 3,000 award miles, there will be no expiry of miles. Four complimentary visits to select airport lounges a quarter and 2 Priority Pass lounge visits a year. The member can also redeem miles by booking flights with Star Alliance and Miles & More airline partners, on upgrades, hotel stays, car rentals, shopping. 24/7 dedicated concierge desk will be provided and at least 15% off on partner restaurants.
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IRCTC SBI CARD PREMIER
Annual/Joining fee: Rs 1,499Interest rate: 3.5%Insurance: Rs 10 lakh rail accident cover; Rs 50 lakh air accident cover; Rs 1 lakh fraud liability cover.Reward Points : The member will get three reward points per Rs 125 spent on dining and standing instructions on utility spends and one reward point per Rs 125 spent on other non-fuel retail purchases.Benefits: The member will get 2,500 reward points on annual travel spends of Rs 50,000 and 5,000 reward points on annual travel spends of Rs 1 lakh. There will be reversal of annual fee on spends of Rs 2 lakh. One per cent transaction charge waiver will be available on rail ticket booking on irctc.co.in and 1.8% transaction charge waiver on flight booking on air.irctc.co.in. The member will also get 8 complimentary railway lounge visits in a year for participating lounges in India.(Source: Card-issuer websites)
